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Faircent Double Deck May.pptx
1.
2. Fact
โข To earn high returns,
lenders must spread
their risk by diversifying
portfolio across a large
number of varied
borrowers
โข To earn stable returns,
lenders must invest
higher amounts as
historical data shows
that greater the
investment lower the
volatility in returns
Problem
โข Investing higher
amounts can affect
individual lenderโs
desired liquidity
โข Building diversified
portfolio requires time
and effort
โข Achieving efficiency in
portfolio management
requires in-depth
knowledge
Solution
โข Faircent Double
provides lenders with an
opportunity to pool
their monies into a
single portfolio to
achieve efficiency in
portfolio building and
management.
โข The portfolio is powered
by data and analytics
โข Solves the problem of
time, effort and
knowledge required to
build an efficient
portfolio
3. Various lenders lend money
through
POWERED BY
SCIENTIFIC DATA
ANALYTICS
Faircentโs algorithm uses data sciences
to automate portfolio management
Disbursed to a diverse mix of
loans and loan products
offered to borrowers
Returns up to 12% pa based
on chosen plan
Analytics based Collection
and strong recovery
processes
1 2 3
3
Introducing Faircent Double
7. Faircent Double: Monthly Payout Plans
Now you can opt for plans wherein you can earn monthly income as interest earned is credited every month
8. *Funds can be liquidated only during bank working days and hours. Interest calculation will be done on per day basis i.e for the
number of days the amount is invested for.
The Freedom Plan
9. Flat Returns
instead of
reducing
Various
plans
available to
manage
liquidity
Plans that
offer
monthly
income
No Lender
Processing
Fee
Minimum
Effort
required
from lenders
Cherry-
picked
borrowers
Leveraging
deep analytical
algorithms to
create and
manage
portfolio
Constant
Portfolio
Monitoring for
recalibration
& course
correction
Analytics
Based
Collection
Why
Faircent Double?
10. Portfolio Mix:
Borrower Attributes
65.3% are
graduates, PG
or
professional
degree
holders
Male: Female
82.3% : 17.7%
Avg Tenure
15 Months
Average Credit
Score 686
Average Ticket
Size Rs. 37k
Salaried v/s
Self
Employed:
56% v/s 44%
Borrowers with proven track
records
1. Are not New-to-credit
(NTC)
2. Should have serviced a
loan in the past
3. Majority of borrowers have
no defaults in their loan
servicing history
Note: All numbers are updated as of January 31, 2021
11. Diversified Portfolio:
Across Products & Tenure
Note: All numbers are updated as of January 31, 2021
Product Distribution on Count Product Distribution on Amount
16. Portfolio Performance
Note: All numbers are updated as of 30th April 2022
Monthly Payout Honored
100%
Zero NPA to Lenders
100%
Withdrawal Honored
100%
18. Go to Reinvest Settings on Faircent Double tab
Based on the plan
that you have
opted for; you will
see the
Reinvestment
Settings button
only in the
penultimate
month of your
tenure
completion.
22. Reinvest Successful
To keep a track of your reinvested amount, go to the Investment Overview section of the
Faircent Double tab. When you click the + icon next to โreinvested investmentsโ tab a drop
down will appear. This will give you the maturity date, the old maturity date, the reinvest
enabled date.
24. Key Features
Reinvestment of the amount invested takes place based on tenure and terms of the plan chosen by the lender.
In case of Freedom Plan, at the end of every financial quarter, all the funds (Principal and any interest earned)
will be automatically released to escrow and then reinvested in the same plan
Performance-linked Portfolio Management Fee: The difference in the interest received from the borrowers and
the amount repaid to the lenders. The return made by the lenderโs portfolio will be credited to the lenderโs
account as โPool Interestโ and then the performance linked processing fee will be debited as โPortfolio
Management Feeโ.
For eg. If the net returns post default (if any) is 15% p.a. and the return on loans to be provided to lender as per
the plan selected is 12% p.a, then the Faircent Portfolio Management Fee will be 3%. If the net returns post
default (if any) is 11.5% p.a. then the lenders will receive 11.5% while Portfolio Management Fee will be nil.
In Freedom Plan, the fees will be invoiced and deducted on every release of your investment to your escrow and
at the end of each financial quarter.
25. Disclaimer
Disclaimer: Lending on Faircent.com is subject to defaults. Please read the product details/borrower profiles carefully before investing. Fairassets Technologies
India Pvt Ltd (Faircent.com) has a valid certificate of registration dt. May 16th, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of
India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for
the correctness of any of the statements or representations made or the opinions expressed by the company and for repayment of deposits / discharge of liabilities
by the company. All repayments are subject to GST. Product returns are dynamic & Faircent doesnโt provide any guarantee of returns. Faircent will perform risk
management activities but it does not guarantee safety of capital. Loans are invested over a period of time depending on the amount and Interest starts accruing
only on disbursements. Returns are dependent on utilization of funds. Unutilized amount does not earn any interest. Lenderโs investments in a product authorizes
Faircent to send funding proposals to borrowers meeting the investment criteria. If monthly re-investment is available for a product, then it will be made to
borrowers meeting the productโs investment criteria at the point of reinvestment. The Faircent Double โFreedom Planโ gives lenders the ability to request for a
release of the amounts, to their escrow account on demand. Funds can only be released from the โFreedom planโ to escrow account of the Lender or moved to
another plan post 24 hours of the investment. Faircent Double โFreedom Planโ investments which are released to the escrow account of the Lender prior to a 30
day term may attract a lower interest rate which will be as published by Faircent, in its sole discretion and notified to the Lender on the lenderโs dashboard.
Faircent reserves the right to change such interest rates without notice and shall not be liable for any deficiency in amount that may be received by the Lender as a
result of investment in Faircent Double. At the end of every financial quarter all the funds in the Freedom plan will be automatically released to the escrow account
of the Lender and shall be automatically reinvested in the same Freedom plan. Faircent charges portfolio management fees in Faircent Double which will be
invoiced and deducted on every interest credit to escrow and the management fees shall be charged in accordance with the terms and conditions of the plan
chosen by the lender. Lender shall be solely responsible to choose the Plan and Faircent shall not be liable or responsible for any loss caused to the Lender as a
result. Liquidity is offered on a best effort basis in the Faircent Double โFreedom Planโ and Faircent shall not be liable or responsible for any delay in or non-
availability of Liquidity.
By registering as Lender on the Site, a lender agrees that he/she has not lent any amount exceeding INR 50,00,000 (Rupees Fifty Lakhs only) across all the P2P
platforms in India and also agrees that he/she will not exceed the limit specified by the RBI for lending on P2P platforms in India. In case a lender is investing more
than INR 10,00,000 (Rupees Ten Lakhs only) across P2P platforms he/she shall produce a certificate to P2P platforms from a practicing Chartered Accountant
certifying their minimum net-worth of INR 50,00,000 (Rupees Fifty Lakhs only).
By registering as a Borrower on the site, a borrower agrees that he/she has not borrowed any amounts exceeding INR 10,00,000 (Rupees Ten Lakhs only) across all
the P2P platforms in India and also agree that he/she will not exceed the limit specified by the RBI for borrowing on P2P platforms in India. The borrower also
agrees that he/she has not borrowed more than INR 50,000 (Rupees Fifty Thousand only) from the same Lender across all P2P platforms in India. Apple and the
Apple Logo are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc., registered in the U.S and other
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